New Valley Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
New Valley Bank & Trust is an FDIC-insured commercial bank headquartered in Springfield, MA, established in 2019 (FDIC certificate 59143), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $385.0M, up 13.1% from Q2 2025, the 76th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 10.79% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59143
- Headquarters
- Springfield, MA
- Established
- 2019
- Total assets, Q2 2026
- $385.0M
- Assets vs Q2 2025
- +13.1%
- CET1 ratio, Q2 2026
- 10.79%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 011807247
- Latest call report
- Q2 2026, FFIEC 051 · New Valley Bank & Trust call report
- Asset rank in state
- 76th of 89 in Massachusetts
New Valley Bank & Trust spends more to run itself than most banks of its size. It reported $385 million in assets at June 30, 2026, up 13.1% from a year earlier. It loses about $0.24 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 98 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.34% of loans, down from 3.53% a year earlier. It lost $235,000 in the quarter. Its margin is thin by comparison: it keeps 2.55 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, New Valley Bank & Trust reported a CET1 capital ratio of 10.79%, a return on assets of -0.24%, a nonperforming-loan ratio of 2.34% and a Texas ratio of 18.23%. The figures come from its call report filed with the FFIEC.
New Valley Bank & Trust ranks as the 76th largest of the 89 banks based in Massachusetts, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.0% to $385.0M, loans fell 1.8% and deposits rose 1.4%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 27.1% of total loans, followed by non-owner-occupied commercial real estate loans at 24.6%. Its 3 offices in the FDIC Summary of Deposits are in Springfield, MA and West Springfield, MA; its Springfield 2 offices book 88% of its branch deposits. By the capital ratios in its Q2 2026 call report, New Valley Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 Monarch Pl, Springfield, MA 01144
- County
- Hampden
- Metro Area
- Springfield, MA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 30, 2019
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $321.4M
- Allowance for credit losses
- $5.2M
- Net charge-offs (YTD)
- -$219K
- Average total assets
- $392.0M
- Average total loans
- $255.1M
- Average interest-bearing deposits
- $268.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 30, 2019
- FDIC Cert
- 59143
- Fed RSSD
- 5316920
- Website
- www.banknewvalley.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, New Valley Bank & Trust's total assets ran between $319.1M (Q3 2023) and $385.0M (Q2 2026), and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$385.0M total assets against $340.4M; $357.6M total liabilities against $314.5M.
$248.1M net loans and leases against $257.2M; $321.4M total deposits against $277.6M.
$44.1M securities against $48.7M; $77.6M cash and balances due against $19.6M.
$4.4M total interest income against $4.4M; $2.0M total interest expense against $1.8M.
$2.4M net interest income against $2.6M.
$154K total noninterest income against $157K; $2.5M total noninterest expense against $2.5M.
$408K provision for credit losses against $712K.
-$235K net income against -$312K.
-0.24% return on assets against -0.37%; 2.55% net interest margin against 3.09%.
10.79% CET1 capital ratio against 10.10%; 7.45% tier 1 leverage ratio against 8.30%.
Inside the full New Valley Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
New Valley Bank & Trust rankings
Its closest position to the top of a national ranking is 212 of 3,640, for Texas Ratio; its furthest is 3,540 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.09% (Q3 2024) to 0.83% (Q4 2024) and its net interest margin ran from 2.55% (Q2 2026) to 4.14% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.79% | -0.24% | 2.34% | 18.23% | 2.55% |
| Q1 2026 | 10.71% | 0.43% | 2.69% | 21.73% | 2.91% |
| Q4 2025 | 10.42% | 0.41% | 3.08% | 25.42% | 3.04% |
| Q3 2025 | 10.33% | 0.39% | 3.32% | 26.49% | 4.14% |
| Q2 2025 | 10.10% | -0.37% | 3.53% | 29.21% | 3.09% |
| Q1 2025 | 9.84% | -0.53% | 3.78% | 30.47% | 2.66% |
| Q4 2024 | 10.59% | 0.83% | 2.82% | 22.69% | 2.63% |
| Q3 2024 | 9.97% | -1.09% | 2.76% | 22.35% | 2.69% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Springfield Branch | Springfield , MA | 01129 | $171.7M |
| New Valley Bank & Trust (main office) | Springfield , MA | 01144 | $111.2M |
| West Springfield Branch | West Springfield , MA | 01089 | $38.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MA, rank 86 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about New Valley Bank & Trust
What are New Valley Bank & Trust's total assets?
As of the Q2 2026 filing, New Valley Bank & Trust reported total assets of $385.0 million in its FFIEC call report.
Where is New Valley Bank & Trust headquartered?
It is headquartered in Springfield, MA, United States.
When was New Valley Bank & Trust founded?
It was established in 2019, per the FDIC institution directory.
Is New Valley Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59143). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates New Valley Bank & Trust?
New Valley Bank & Trust's primary federal regulator is the FDIC.
What is New Valley Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.79% in its Q2 2026 call report, above regulatory requirements.
How many branches does New Valley Bank & Trust operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is New Valley Bank & Trust's Texas Ratio?
Its Texas Ratio is 18.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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